Enova International

Enova International

Consumer Finance
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.

$4.1B

Market Cap • 11/10/2026

2011

(15 years)

Founded

2014

(12 years ago)

IPO

NYSE

Listing Exchange

Flag of United States

United States

Country

Valuation

P/B

2,6

P/S

1,1

P/EBITDA

4,5

P/OCF

2

P/FCF

2

P/E

11,6

BVPS

64,1

EPS

14,5

Market Cap

Market Cap

4,1B

EV

9,4B

EV/Revenue

2,6

EV/EBITDA

10,3

EV/EBIT

10,7

Payout

Dividend Per Share

0

Dividend Yield

0%

Buyback Yield

3,2%

Total Yield

3,2%

Payout

0%

Retained Earnings

2,3B

Profitability

Gross Margin

100%

EBITDA Margin

25,1%

EBIT Margin

24%

Net Margin

10,5%

D&A/EBITDA

4%

R&D/Revenue

0%

Capex/Revenue

0%

Capex/D&A

0%

Capex/OCF

0%

SBC/OCF

1,7%

% PPE

2%

% Goodwill

3,6%

ROE

26,8%

ROIC

10,5%

Growth

CAGR Revenue 5Y

26,9%

CAGR Op. Income 5Y

14,2%

CAGR Net Income 5Y

-2,7%

CAGR EPS 5Y

4%

CAGR OCF 5Y

35,9%

Leverage

N.D./EBITDA

5,8

Debt/Equity

0%

Current Ratio

20,7

Quick Ratio

19,3

Interest Coverage

228,4%

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